Retailers Insurance is a package of insurance covers designed to meet the needs of most retail businesses where there is little or no manual work undertaken away from the shop or retail premises.

Because of the reduced risk of a liability claim these policies tend to have a more simple rating structure that is based around the property values at risk and so they are simple to rate and available at competitive prices.

Under this type of policy we tend to promote cover on an ‘Accidental Damage’ basis but some insurers still only offer ‘Standard Cover’ with any ‘Accidental Damage’ cover being an optional extra. When asking for a quotation it would be helpful to know which basis of claims settlement you would prefer.

Under a standard form of shop policy you would normally expect to see cover for:-
• Contents including a seasonal increase on stock
• Business Interruption
• Book Debts
• Damage to internal and external fixed Glass
• Theft of Keys and Locks Replacement
• Loss of Money in transit or in a locked safe overnight
• Public and Products Liability
• Employers' Liability - £10,000,000 limit of indemnity
• Personal Accident (Assault)
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